We offer investment management, which includes our advisory services, as well as "advice only".

Full-service discretionary (and recommendation-based) portfolio management includes:

• Review current portfolio's holdings, cost, performance and risk characteristics
• Determine client's risk tolerance and risk capacity and compare to client's goals
• Develop initial strategy including asset allocations
• Articulate future changes in asset allocations and individual securities
• Identify tax consequences and costs (if applicable/available) of making changes
• Coordinate planning with other professionals where appropriate
• Setup new accounts and/or maintain existing accounts/portfolios
• Place trades and review for accuracy
• Review strategy/performance proactively on a predetermined schedule, at least annually
• Track/report progress towards goals
• Prepare financial planning projections

Perform specific projects that client's desire. These services are charged by the project (or by the hour) and are for advice on a specific topic and not ongoing management:

• Prepare financial projections for college savings, retirement income and other financial planning issues
• Evaluate current portfolio and make recommendations for improvement
• Provide an objective "second opinion" of another advisors strategy, recommendations and/or fees
• "Shop" fees/service among alternative service providers
• Develop Investment Policy Statements
• Research cost basis issues/reconcile custodial data to ensure proper reporting
• Research/report on individual investments